Claim Coverage
Explore detailed reviews about the claims process and coverage provided by pet insurance companies. See how quickly claims are approved, what’s actually covered, and how satisfied pet parents are with reimbursements.
64,641 total
Other Categories
Premiums aren’t cheap
The premiums are expensive, the deductibles are OK. Mostly the rating is for ease of submitting claims. They are usually paid within 10-14 days.
Insurer: MetLife
By: customer
Quick claim processing and payment
Quick claim processing and payment
Insurer: Spot
By: Amy Walker
It was great till it wasn’t anymore…
It was great till it wasn’t anymore… They changed my pets coverage last year cos the plan I had them under no longer was offered. Now they don’t cover anything, wellness or injury it never gets covered, they play games and won’t notify you if there’s a request for information so you have to constantly be on them. They denied coverage for one of my dogs that had a UTI citing that because he had an ear infection as a pup it was a pre existing condition. My other dog had to have emergency surgery, of almost $7000 I got back $800. In my opinion they are borderline scammers
Insurer: Nationwide
By: Giacomo Grenside
It's very easy to make a claim
It's very easy to make a claim! I have a dog that eats everything and having this insurance has saved me! Best decision I made!!
Insurer: Spot
By: Kim Kongpricha
Easy to file claim
Easy to file claim, rapid response, and good coverage.
Insurer: Fetch
By: Philip
You were prompt on handling my claim
You were prompt on handling my claim. I had the money back in my account in 2 days. Thank you, Kathy
Insurer: Trupanion
By: Kathy
Very easy process to get a refund on…
Very easy process to get a refund on our healthy pet visit
Insurer: Spot
By: Erin Wallace
Ease of maintaining policy and filing…
Ease of maintaining policy and filing claims
Insurer: MetLife
By: customer
Claims Processing Nightmare
MetLife has been a nightmare in processing claims. The database they are using seems very disorganized. One claim doesn't connect to another apparently, so they will come back asking for documentation they already have. They have the wrong diagnoses that my dog never got on EOBs. I will upload documents that somehow disappear. If not for being able to email or call to try to get these things straightened out, it would be hopeless getting claims paid correctly or at all. It requires great persistence and patience just to get claims processed correctly. I typically have to go to great lengths for a significant period of time, including the initial uploading and filing process, then having to email, call, etc. The app is also a mess, as well as website (e.g., disorganized, mistakes). I give two stars only because they have eventually paid, but I can imagine many people would not be able to succeed in getting all the messes straightened out to get claims paid. Update: I replied to the MetLife response to this review and received a very disingenuous form email that sounded like AI and basically told me what I need to do to correctly file claims rather than respond to this review. I pointed out I did this review in response to a MetLife email asking me for a review in the first place. Their email, whether pure AI, which they do use in processing claims, or a person using AI badly, was just another example of how messed up their processes are in dealing with customers. I have dealt with some actual human beings that work for MetLife who were helpful in the past. That is what it takes to get the mistakes corrected.
Insurer: MetLife
By: Jill Stevens, customer
Very easy and seamless to upload…
Very easy and seamless to upload records and easy for payments
Insurer: MetLife
By: customer